Unlicensed PA enforcement
DFS investigators, supported by Fla. Stat. 626.8738, have pursued unlicensed public-adjusting activity aggressively. The common targets: roofers who negotiate with carriers for homeowners, storm-chasing adjusters without Florida residency credentials, and out-of-state firms that solicit Florida policyholders.
Carrier market-conduct actions
DFS market-conduct exams in 2025 focused on:
- Claim-handling timelines under Fla. Stat. 627.70131
- Proof-of-loss request patterns (carriers using POL demands as delay tools)
- Examination-under-oath overuse
- Appraisal-clause invocation patterns
What this means for policyholders
Before hiring anyone to represent you on a claim, verify the license at myfloridacfo.com/division/agents. A legitimate Florida public adjuster:
- Holds an active 3-20 license
- Has the license number visible on the website and contract
- Meets in person or by video with you, not through a sales rep
- Uses a DFS-compliant written contract